Traffic Accident Claims and What To Do
At one time or another we all get involved in a traffic accident, when this happens you need to file a traffic accident claim and know what to do, this article covers a few of these issues.
When you have a traffic accident the people involved either do, or do not, have insurance, lets assume everyone has auto insurance. The first thing you need to do is get the other parties insurance information, drivers license information and any other pertinent information. You will need to get a copy of the police report which generally comes out a few days after the report is filed. If there are any witnesses it would be good to get there information too in case they are needed.
The next step is to file a claim, traffic accident claims should be filled as soon as possible with your insurance company so you can dictate the events of the accident while they are fresh in your mind. Waiting to long can cause you to forget details that might be important to your claim, these details could hurt your case if you are not at fault.
The factor of fault is an important factor because it could impact your future auto insurance rates, and not in a good way, we mean the insurance company can raise your rates if you are at fault.
If your claim is simple enough you can do it over the phone and your insurance company will send out an adjuster to look at your car. They will make an assessment of the damage and suggest a few shops you can bring your car to. Some insurance companies let you use your own shop as long as the repair costs are within reason. This can be an area of dispute between you and your insurance company, with a little negotiation you can resolve this matter quickly, this is the best solution if this happens.
Under normal circumstances traffic accident claims don’t take more than a few days to get approved, from there you will take your car to the assigned repair center and they will start the process. The key to getting through the whole process, without to much stress, is getting all the proper information when the accident happens.
Submitting all the proper paperwork and information to your insurance company from the start, and giving all the details of the accident in full, will in sure that any traffic accident claims you have in the future will be done right.